Some of the major risk factors that car insurance companies use when factoring your rate are as follows:
Age: As many reports have shown, drivers under the age of 25 are at greater risk of being in an car accident than those over the age of 25. Remember when you turn 25, car insurance companies starts to consider you as a “responsible adult” and at that age your car insurance cost should drop, unless you have bad driving records. This applies especially for male drivers. The safest group of drivers on the statistics are drivers between the ages of 50 to 65, they have the safest driving records and receive the cheapest car insurance rates.
Gender: In most case, it is true that women pay a lot less money for their car insurance premium than men. They are more keen observers, alert and careful drivers than men. However, in this modern day of age women are now casting off their traditional “stay at home mom” images, the increase number of women involved in car accidents have increase. Read more ›
It is very hard for any women to find affordable auto insurance these days. Whether you are looking for a standard coverage or full, it very difficult to find auto insurance company that will have lower premium because women drivers are more likely to get in some kind of accident than men. That reason makes it very risky for the auto insurance and they need to keep the premium higher for women. Thankfully that has changed this year, if you are a woman all you need is to shop around.
Make sure you have a list of 3-6 auto insurance companies you want to get a quote from. Ask your friends and family which auto insurance companies they can recommend you, or select some of the auto insurance that you have seen advertises on TV or news paper. When auto insurance advertises, it is likely mean they are commented in bring in new customers and containing them. Once you have your list ready, go online to each of the company’s website and get a quote. Make sure you are honest when filling out your forms to have an accurate quote.
Once you have all the quotes, look for the one with the best price and with the policy you need. Then give them a call, you will have to go over the same thing when filling out the form and your price might be a little different when you fill them out online.
At the end you should be able to find a cheaper auto insurance if you are a woman. Good luck!
Janine Gargani on 
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